| Rate | Single | Married Filing Jointly |
|---|---|---|
| 10% | $0 – $11,925 | $0 – $23,850 |
| 12% | $11,925 – $48,475 | $23,850 – $96,950 |
| 22% | $48,475 – $103,350 | $96,950 – $206,700 |
| 24% | $103,350 – $197,300 | $206,700 – $394,600 |
| 32% | $197,300 – $250,525 | $394,600 – $501,050 |
| 35% | $250,525 – $626,350 | $501,050 – $751,600 |
| 37% | $626,350 and up | $751,600 and up |
Instant HSA “Discount” Calculator
24% — Single $103,350–$197,300; MFJ $206,700–$394,600 (2026)
Combined tax avoided on HSA dollars (with payroll):
—%
(income tax + FICA 7.65%)
$0 pay with HSA via payroll
You save $0 vs. paying with after-tax cash.
$0 if funded outside payroll (income-tax only)
Saves $0; no FICA savings.
FICA = 6.2% Social Security (to the wage base) + 1.45% Medicare. State rules vary—this tool shows federal only.
Instant HSA “Discount” Calculator
35% — Single $250,525–$626,350; MFJ $501,050–$751,600 (2026)
Combined tax avoided on HSA dollars (with payroll):
—%
(income tax + FICA 7.65%)
$0 pay with HSA via payroll
You save $0 vs. paying with after-tax cash.
$0 if funded outside payroll (income-tax only)
Saves $0; no FICA savings.
FICA = 6.2% Social Security (to the wage base) + 1.45% Medicare. State rules vary—this tool shows federal only.